Excel Smart vs YONO Nepal SBI
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Excel Smart
Manage your bank account on the go with this secure mobile banking app. Perform bill payments, fund transfers, and instant QR code payments. Enjoy convenient banking anytime, anywhere without visiting a branch.
- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Account information access
- Secure SSL encryption
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Excel Smart is Excel Development Bank Ltd's Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Excel Development Bank Ltd. This App will be regularly updated with additional new features. Key Features: - Banking On the Go - Bill Payments Made Easier - Top Up Made Easier - Fund Transfers Made Easier - QR Code: Scan and Pay - Instant Online and Retail Payment with Fonepay Network - Accessing your Account Informations Made Easier - User Friendly, Safe and Secure And Many More Exciting Features Excel Smart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Excel Development Bank Ltd, and you need to subscribe to the Excel Development Bank Ltd's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Excel Smart is a Member of Fonepay Network. Smart Banking for Smart People.
YONO Nepal SBI
This mobile banking app offers retail customers a revamped experience with features like e-KYC, online account opening, QR payments, and bill payments. It also provides card management, spend analysis, and chatbot support for convenient banking.
- e-KYC updation
- Online Term Deposit account opening
- QR Payments
- Bill Payments
- Card Management
- Spend Analysis
- Chatbot
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About the app With a strong focus on customer convenience our latest mobile banking offering, YONO Nepal SBI is an application for our retail customers. Download the app now and enjoy the revamped banking experience with attractive features such as e-KYC updation, Online Term Deposit account opening, NPI integration, QR Payments, various Bill Payments though NCHL & F1 Soft, Merchant Payment by Fonepay, Deposit Interest Certificate / Statements, Cheque Book inquiry, Card Management, Spend Analysis, Chatbot etc. The mobile banking services of MeroSaathi will be migrated to YONO Nepal SBI, Fund transfer within NSBL, TD for existing customer, RD for existing customer, One View India Account, Spend Analyzer etc. All you need An iPhone/iPad Internet Connectivity
Screenshots
Verdict
The clearest difference is rating: Excel Smart at 3.4 against YONO Nepal SBI's 1.2. YONO Nepal SBI's advantage is update cadence (monthly vs every 4 months) and ratings volume (22 vs 5). On price, review sentiment, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Excel Smart holds the better App Store score, 3.4 against 1.2. Both are backed by a comparable volume of ratings — 5 and 22 respectively. Written reviews complicate that: 0% of Excel Smart's written reviews are positive against 7% of YONO Nepal SBI's, so the app with the better star average is not the one people write more warmly about.
Excel Smart ships an update every 4 months, YONO Nepal SBI monthly. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.
| Parameter | Excel Smart | YONO Nepal SBI |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (5 ratings) — better | 1.2 (22 ratings) |
| Positive reviews | 0.0% of reviews | 6.8% of reviews — better |
| Number of ratings | 5 | 22 — better |
| Update frequency | Every 4 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 183 MB | 62 MB |
| Age rating | 17+ | 4+ |
| Developer | Excel Development Bank Ltd | State Bank of India |
Customer experience
Excel Smart
YONO Nepal SBI
In-app purchases
Excel Smart
No in-app purchases
YONO Nepal SBI
No in-app purchases
